If you have 2 pets (or more!), it's possible to save money by insuring them together on a multi pet insurance policy. Here's a comparison of the best discounts for multiple pets offered by different pet insurance companies:
Best multi pet insurance for cats and dogs
- Bought By Many multi pet insurance - 15% discount for pets on the same policy
- More Than - 10% discount (If you need insurance for two dogs, don't forget you can get extra savings by combining More Than's multi pet discount with the discount for members of our Multi Dog Insurance group)
- Pet-Insurance.co.uk - 10% discount
- Churchill - 10% discount
- E&L Pet Insurance - 10% discount
- LV= - 5% discount
- John Lewis Insurance - 5% discount
- M&S Insurance - 5% discount
To create the list of the best multi-pet insurance discounts, we ranked providers of pet insurance first by the percentage multi pet discount offered, and then by their score in our analysis of the Best Pet Insurance for Dogs and Cats.
Another company ranking outside the top 10 who offers a 12.5% multi pet discounts is Direct Line.
Other pet insurance discounts
Some pet insurance companies don't have percentage multi pet discounts, but still offer an incentive to insure two or more dogs or cats on the same policy:
- Sainsburys Pet Insurance offer £12 off for each additional pet when you insure multiple pets with them.
- Argos has a minimum multi-pet discount of £24 for (£1 for each pet each month)
- Co-op Pet Insurance applies a multi-pet discount when you get a quote for more than one pet.
- Helpucover offers one month's free insurance when you insure two or more pets on the same policy.
Insurance quotes for more than one pet
All of the companies listed in this article allow you to get multi pet insurance quotes online. However, there is usually a limit to the number of pets you can add to an online quote.
At More Than, multi pet insurance online quotes are limited to only three pets. If you want to insure four pets or more on the same policy, you will have to get a quote over the phone.
With Bought By Many you can add up to 5 cats and dogs on the same quote online. To get a multi-pet insurance quote for more than 5 pets, call Bought By Many's customer service team on 0345 340 4090.
If you're getting quotes for a range of pets it's worth checking if a multi-pet discount can be applied across different policies.
Because prices are influenced by factors such as breed and the age of the pet, some owners choose separate policies for their pets based on affordability for its specific circumstances.
What is multi pet insurance?
Multi pet insurance is the name given by insurance companies to a pet insurance policy which covers more than one pet. Increasingly, insurance companies are offering cheaper prices to people insuring multiple pets on the same policy. They usually refer to this as a "multipet" discount.
4 out of 10 UK pet owners have two or more pets in their household, meaning that multi pet insurance is an understandably popular choice. We expect to see multi pet insurance become cheaper over time, as competition between pet insurance companies increases.
Discounts for multiple pets are typically between 5% and 15% of the total pet insurance premium.
Insurance for multiple rabbits
There are two options if you have rabbits and are looking for multi pet insurance:
Petplan allows you to cover multiple rabbits on the same policy, and you'll get £12 of your premium for each rabbit you add Helpucover pet insurance offers one month's free insurance when you add an extra rabbit to a pet insurance policy with them
Insurance for more than one exotic pet
If you have parrots or other birds, E&L offers a 10% multi bird discount.
Meanwhile, Exotic Direct allows you to add up to three birds, reptiles, or mammals to the same policy, but doesn't offer any multi pet discounts.
Insuring more than one pet on lifetime policies
Good news: all of the insurance companies listed here allow you to use their multi pet discount on their lifetime pet insurance policies.
Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.
With a lifetime product, it is important to note that your premiums will increase each year at renewal. This is different to a “Per Condition” policy, where a particular condition can become excluded once the condition limit is reached. Your excess is also likely to increase as your pet gets older.
As lifetime pet insurance is typically more expensive than other types of pet insurance, multi pet savings are all the more valuable.
Multi pet insurance comparison
When comparing quotes and policies with multi-pet discounts, make sure you take into account the cost and cover levels offered by the companies you're considering.
There's no point in choosing an insurer based on a high multi-pet discount if its policies cost more and provide the same level of cover or less than rivals.
Try to compare similar cover levels using the same details each time you get a quote. Getting quotes for different pets may change the price.
Many companies also offer an online discount in addition to the multi-pet discount. So if you are comparing quotes, try to get them all online, or all on the phone.
If you'd like to compare the other features and benefits of the different pet insurance policies, why not read our reviews on the Best Pet Insurance for Dogs and Cats?
